Here it is:"Some districts told the Michigan School Business Officials they may have to shut their doors if a protracted state shutdown causes a missed payment.

But most districts said they would tap their reserves or borrow more money to stay afloat.

Several districts might start to trim back nonacademic programs -- including sports, field trips and other activities -- soon after a state shutdown to save money.

"The big picture is that school districts will do everything they can to stay open -- period," said Tom White, executive director of the Michigan School Business Officials.

PUBLIC UNIVERSITIES AND COMMUNITY COLLEGES: The state's 15 public four-year schools and 28 community colleges should stay open, but layoffs or some other cutbacks are possible if the shutdown continues for long."

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Another option would be to raise tuition, which already increased an average of about 10 percent at universities this fall. Universities haven't received their August payments from the state, and the next payment is due Oct. 16.

Combined, they account for $280 million. Some community colleges might have to borrow money or tap into their reserves to stay afloat.

"It's going to affect the small rural schools much more than the larger, urban schools," said Mike Hansen, president of the Michigan Community College Association. "Some of these schools could be on the brink of financial disaster.